View 2001 Dodge Stratus Insurance Quotes

Shoppers have options when shopping for the best price on Dodge Stratus insurance. They can either waste time driving around to get rate comparisons or leverage the internet to compare rates.

There is a right way and a wrong way to compare insurance rates and we’ll show you the absolute fastest way to compare rates on a Dodge and get the best price possible.

If you are insured now or are just looking to switch companies, you can use this information to get lower rates while maximizing coverage. This article will instruct you on the best way to quote coverages and some tips to save money. Drivers just need to understand the proper methods to get comparison rates online.

How to lower your insurance rates

Lots of things are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although others are less apparent like your continuous coverage or your commute time.

• Gender and insurance premiums – Statistics show females are less aggressive when driving. The data does not necessarily mean that females are better drivers. They both are in fender benders in similar numbers, but the men have accidents that have higher claims. Men also tend to get ticketed for serious violations like reckless driving and DUI. Youthful male drivers have the highest risk to insure and therefore pay the highest rates.
• Older drivers are lower risk – More experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims , and usually have better credit.Inexperience drivers have a tendency to get distracted easily with other occupants in the car and because of this, their auto insurance rates are much higher.
• Marriage is a factor – Having a significant other may save some money when shopping for auto insurance. Having a significant other generally demonstrates drivers are more financially stable and it’s proven that drivers who are married file infrequent claims.
• Fewer miles means better prices – The more you drive your Dodge in a year’s time the more you’ll pay to insure it. A lot of companies calculate prices based upon how the vehicle is primarily used. Cars that are left in the garage get more affordable rates compared to those used for work or business. It’s a good idea to make sure your auto insurance policy is rated on annual mileage, because it can save money. An improperly rated Stratus is just wasting money.
• Reduce premiums by driving cars with good safety ratings – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety protect occupants better and fewer serious injuries translates into savings for insurance companies which can mean better rates for you. If your Dodge is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• More traffic equals higher rates – Choosing to live in a rural area has definite advantages when insuring your vehicles. People in densly populated areas tend to have more traffic problems and higher rates of accident claims. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft.
• Maintain auto insurance coverage – Driving your car without having proper coverage is illegal and any future policy may cost more because you let your insurance lapse. In addition to paying higher rates, not being able to provide proof of insurance may earn you fines or a revoked license. You could then be forced to file a SR-22 with your state department of motor vehicles.

Discount car insurance quotes

Car insurance companies don’t necessarily list all possible discounts very clearly, so the list below details a few of the more well known as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

• Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house is proof of financial responsibility.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and therefore earn up to a 10% discount.
• New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper since newer models are generally safer.
• Online Discount – Many companies provide a small discount simply for signing on the internet.
• Defensive Driver – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will bring down your overall premium however.

To view providers who offer free car insurance quotes, click here to view.

Can you really save $424 a year?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies make the same claim that you’ll save big if you switch your policy.

But how can every company give you a better price?

All the different companies give the cheapest rates for the type of driver that will not have excessive claims. One example of this type of driver might be described as between the ages of 30 and 45, has never had a policy lapse, and drives less than 7,500 miles a year. Someone who fits those characteristics will probably get the lowest rates and will also save a lot if they switch.

People who may not quite match these stringent criteria may be forced to pay a higher rate which results in the customer not purchasing. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much. That’s the way insurance companies can make the claims of big savings.

That is why you need to compare free auto insurance quotes often. It is impossible to guess which auto insurance company will fit you best based on your risk profile.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you might need an agent’s assistance.

• Is upholstery damage covered by car insurance?
• Is my custom paint covered by insurance?
• Why am I required to get a high-risk car insurance policy?
• Am I better off with higher deductibles on my 2001 Dodge Stratus?
• Can I get a multi-policy discount?
• Should I have a commercial auto policy?
• Why is insurance for a teen driver so high?
• When should I remove comp and collision on my 2001 Dodge Stratus?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Dodge Stratus.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like funeral costs, doctor visits, ambulance fees, dental work and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

In this article, we presented many tips how you can shop for 2001 Dodge Stratus insurance online. The key thing to remember is the more price quotes you have, the better likelihood of getting low cost auto insurance. Consumers may even find the most savings is with the smaller companies.

Discount 2001 Dodge Stratus insurance can be purchased from both online companies in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some companies may not offer online price quotes and usually these small, regional companies sell through independent insurance agencies.

Drivers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, high prices and even questionable increases in premium. Whatever your reason, finding a new company can be easy and end up saving you some money.

For more information, feel free to visit the following helpful articles:

• Determing Auto Insurance Rates (Geico)
• Safety Belts FAQ (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Event Data Recorders FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)